Commercial Development Finance Solutions
Build faster by releasing your equity sooner
Development is a race against holding costs. We remove the hurdles that slow you down, such as restrictive pre-sale requirements and rigid 'Loan to Cost' ratios.
By structuring facilities based on Gross Realisation Value (GRV), we maximise your borrowing power upfront. This reduces the equity you need to leave in the deal, allowing you to recycle capital into your next acquisition while the current project is still pouring concrete.
Optimise your capital stack from acquisition to exit
Whether land banking or purchasing with a DA, we structure flexible facilities that provide the runway to receive approvals without the pressure of immediate build deadlines.
Land Acquisition
We source funding based on Gross Realisation Value (GRV), not just cost. This minimises pre-sale hurdles and aligns progress drawdowns with your actual construction timeline.
Construction Funding
We refinance unsold units into specialised facilities to settle your construction debt. This allows you to release profit early and move capital into your next site while selling down stock at your own pace.
Residual Stock
We access private capital to bridge the gap between senior debt and your equity. This reduces your required deposit and allows you to leverage your capital across multiple projects.
Mezzanine & Private
Realise the true market value of your asset
Bank funding for development projects will generally require a level of pre-sale coverage before construction can commence. The extent varies depending on the project type, location, and lender appetite, but it often means discounting stock off-the-plan to satisfy lending criteria.
We structure facilities designed to reduce or remove pre-sale obligations, allowing you to start building sooner and sell at full market value, maximising your project's total yield.
Matching your project to lender appetites
We leverage our deep understanding of infrastructure pipelines and absorption rates that influence bank credit policy.
By aligning your project with lenders who are actively seeking exposure in your area, we ensure your development is presented to a capital partner looking to deploy funds in that specific corridor right now.
Core Markets: Sunshine Coast • Brisbane • Gold Coast • Ipswich
Case study
Restructuring a $13.2M construction facility to unlock national growth
Challenge:
A national construction client needed to restructure $13.2M in lending to support strong forward orders. However, their complex profile — spanning multiple entities, unsecured debt, and ATO arrears — caused their bank to cap their capacity, stalling growth.
Strategy:
Treating this as a complete structural redesign, we broke the complex exposure apart to clarify entity positions and simplify cash flow. We collaborated with their accountant to present their build performance and pipeline visibility to a major lender comfortable with scale.
Outcome:
We successfully restructured the full $13.2M facility, materially improving working capital and increasing build capacity. With the funding bottleneck removed, the client scaled exactly to forecast, building more homes and strengthening their national footprint.
Commercial Development Finance Common Questions
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We prioritise lenders who fund based on Gross Realisation Value (GRV). Unlike major banks that strictly lend against your costs, GRV funding recognises the future value of your project. This typically provides higher leverage, often covering 100% of construction costs and significantly reducing the cash equity you need to contribute.
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Yes. We specialise in structuring "Zero Pre-sale" facilities. This allows you to commence construction immediately without waiting for market absorption, giving you the strategic control to sell finished stock at premium prices rather than discounting units off-the-plan just to satisfy a bank.
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We can structure Mezzanine Finance or Preferred Equity solutions to sit behind your senior debt. This gap funding reduces your required cash input, allowing you to preserve your working capital or stretch your equity across multiple projects simultaneously.
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We fund the full spectrum of development, from land subdivisions and townhouse complexes to high-rise residential and industrial warehouses. We also assist with Land Banking facilities for sites that require time for DA approval before construction commences.